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๐Ÿ‡ฎ๐Ÿ‡ณ Best Credit Cards in India

Our top-rated picks ยท 18 cards

โœˆ Lounge Access Availableโ˜… 5 Reward Points per Rs.150 spent, with up to 10x via SmartBuy

HDFC Infinia Credit Card (Metal Edition)

HDFC Bank

HDFC's invite-only metal flagship for serious spenders: roughly 3.3% base value that canโ€ฆ

โ‚น12,500/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… 5 Reward Points per Rs.150, up to 10X on SmartBuy

HDFC Diners Club Black Metal Credit Card

HDFC Bank

A premium metal card on the Diners Club network with the same roughly 3.3% base and up-toโ€ฆ

โ‚น10,000/yr Details
Apply on official site โ†—
โ˜… Up to 5% back on Amazon for Prime membersNo Annual Fee

Amazon Pay ICICI Bank Credit Card

ICICI Bank

A lifetime-free card that's close to a default for anyone who shops Amazon: 5% back for Pโ€ฆ

No annual fee/yr Details
Apply on official site โ†—
โ˜… Flat 5% cashback on all online spends

Cashback SBI Card

SBI Card

One of India's cleanest cashback cards: a flat 5% on virtually all online spends with noโ€ฆ

โ‚น999/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… 12 EDGE Reward Points per Rs.200, transferable to partners

Axis Bank Magnus Credit Card

Axis Bank

Magnus earns its reputation among points hackers because EDGE Points transfer to 20+ airlโ€ฆ

โ‚น12,500/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… Unlimited 2% cashback on all spends

Axis Bank ACE Credit Card

Axis Bank

ACE is the one to grab if your monthly bills are big, since 5% back on utilities, rechargโ€ฆ

โ‚น499/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… 4 Reward Points per Rs.150, with 5X on select brands

HDFC Regalia Gold Credit Card

HDFC Bank

The sensible step-down from HDFC's metal cards: around 1.3% base value with 5X on partnerโ€ฆ

โ‚น2,500/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… Up to 5 EDGE Miles per Rs.100 on travel spends

Axis Bank Atlas Credit Card

Axis Bank

Atlas is the lighter-fee sibling to Magnus for travelers who want transferable EDGE Milesโ€ฆ

โ‚น5,000/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… Unlimited 5% cashback on Flipkart and Cleartrip

Flipkart Axis Bank Credit Card

Axis Bank

If your cart is mostly Flipkart and Myntra, this Rs.500 card is hard to beat: 5% back uncโ€ฆ

โ‚น500/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… 5% cashback at 10+ popular online merchants

HDFC Millennia Credit Card

HDFC Bank

A cashback card built for online-first young spenders: 5% back as CashPoints at Amazon, Fโ€ฆ

โ‚น1,000/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… Up to 5X Reward Points on dining, groceries and department stores

SBI Card ELITE

SBI Card

SBI's lifestyle card leads with a free movie-ticket benefit and a Rs.5,000 welcome voucheโ€ฆ

โ‚น4,999/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… 5 reward points per Rs.150, worth a flat 3.3%

Standard Chartered Ultimate Credit Card

Standard Chartered Bank

The Ultimate's appeal is its simplicity: a flat ~3.3% reward value (5 points per Rs.150,โ€ฆ

โ‚น5,000/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… Up to 6 Reward Points per Rs.100 on international and select spends

ICICI Bank Sapphiro Credit Card

ICICI Bank

Pick the Sapphiro if you want dining, movie, and travel perks bundled under one Rs.3,500โ€ฆ

โ‚น3,500/yr Details
Apply on official site โ†—
โ˜… Up to 1,000 bonus points monthly on spend milestones

American Express Membership Rewards Credit Card

American Express

This Amex is a milestone game, not a flat earner: hit six Rs.1,000+ transactions and Rs.2โ€ฆ

โ‚น1,500/yr Details
Apply on official site โ†—
โ˜… 10X Reward Points on partner online merchants

SBI SimplyCLICK Credit Card

SBI Card

A low-cost online shopping card: 10X reward points at partners like Amazon, BookMyShow anโ€ฆ

โ‚น499/yr Details
Apply on official site โ†—
โ˜… 10 Reward Points per Rs.150 on dining, groceries and movies

SBI SimplySAVE Credit Card

SBI Card

An entry-level everyday card that pays 10 reward points per Rs.150 (about 2.5% value) onโ€ฆ

โ‚น499/yr Details
Apply on official site โ†—
โœˆ Lounge Access Availableโ˜… 2 Reward Points per Rs.100, with dining and movie perks

ICICI Bank Coral Credit Card

ICICI Bank

The Coral is a cheap way to get a foot in the door: a Rs.500 fee, a quarterly lounge visiโ€ฆ

โ‚น500/yr Details
Apply on official site โ†—
โ˜… 2 reward points per Rs.100 with UPI linkageNo Annual Fee

Kotak 811 #DreamDifferent Credit Card

Kotak Mahindra Bank

This is a build-credit card, not a rewards card: lifetime-free, RuPay, and linkable to UPโ€ฆ

No annual fee/yr Details
Apply on official site โ†—

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